Credit repair is the process ofdisputing negative items on your credit reports that are incorrectly reported. The process of credit repair involves communicating directly with the credit bureaus, creditors, and collection agencies. The FCRA states that your credit report must be 100% accurate, verifiable, and complete. Through our advanced dispute tactics and strategies, we find the errors and inaccuracies to help get the items that are holding back your credit scores removed from your credit report.
We begin our investigation request by asking for specific documentation and records
for each account in order to find violations that can justify why the item must be
removed from your credit report. We hold these data furnishers accountable to the
Reporting Act, Fair Credit Billing Act, and Fair Debt Collection Practices Act.
We also stay up-to-date with all of the rules and regulations in the credit repair industry in order to create effective disputes that will generate responses and deletions.
While you may repair your credit on your own, navigating the process might be challenging. Our credit repair company is ready to do all the work, so that you can take all the credit!
Because every credit report is different, there is no way to know how long it will take to repair your credit ahead of time. Our clients usually see results within the first 45 days of joining our program, and stay with us for about six to eight months. Clients who keep an active credit monitoring subscription, submit their responses in a timely manner, and apply for our recommended credit-building products typically see faster progress.
Unlike other credit repair companies, we dispute all items at once on a month-to-month basis. Our dispute strategy consists of disputing directly with the credit bureaus, creditors and collection agencies, which we have found to be very effective. You will receive frequent reminders to check your mail for responses, and at the end of each investigation period, we will update you with the results of the investigation, next steps on file, and provide you with additional recommendations to improve your scores. Our Processing Department is also available by phone, email, and portal support, Monday through Friday from 9am to 5pm EST, if you ever have any questions about credit or your file.
Pricing is based on the number of negative items that can be disputed, with plans starting as low as $109.99/month. During our complimentary 20-minute consultation, we'll go over all 3 of your credit reports and scores, and provide you with a detailed credit analysis and total number of negative items.
Yes! As part of our committed to providing the best service and results in the credit repair industry, if there are no changes to the items we dispute within 180 days of service.
You will have access to our online Client Portal, which is secured with 256-bit encryption, where you'll be able to track and monitor the progress of your credit scores, as well as see which items are in dispute, repaired, or deleted. Your Client Portal also gives you access to our list of recommended credit-building products, all designed to boost your scores and strengthen your credit file. You will also be able to securely upload your bureau, creditor, and collection agency responses directly in your portal.
Yes, we have helped hundreds of thousands of people repair their credit and have removed millions of negative items from our clients' credit reports. The Fair Credit Reporting Act states that items on your credit report must be accurate, verifiable, and complete, if not, they must be corrected or removed. We are experts at finding these errors and violations to help remove bankruptcies, repossessions, collections, charge-offs, medical bills, late payments, inquiries,and more.
Your EIN is tied to your company credit in the same way that your SSN is related to
your consumer credit. This means that your SSN is usually not necessary when
applying for business credit.
You begin growing your business credit profile with smaller vendor accounts once you have properly established your business existence and trustworthiness.
As your company pays those merchants, you'll be eligible for revolving shop credit cards, as well as cash credit that you can use anywhere, just like a regular credit card.
You can get actual, usable vendor credit right away. Within 60 days, you'll be
eligible for store credit, which doesn't require a credit check or a personal
guarantee. You should have access to $50,000 or more in actual usable credit,
including Visa and MasterCard cash accounts, within six months.
Within one to two years, you can create business credit worth $100,000 to $250,000 or more. You can also get access to alternative cash lending programs in a few months or less with our Business Credit Builder.
The Business Credit Builder Program is an online platform designed to take you
through a personalized, step-by-step approach for building your business credit from
beginning to end. To put it another way, this software is tailored to YOUR unique
circumstances, making the process of obtaining funds incredibly straightforward and
You'll be able to see in real time which financing and credit sources you're pre-qualified or pre-approved for as you progress through the program, so you can be confident that you'll be approved before you even apply!
Additionally, our business credit advisers and finance officers will provide concierge service to assist you at any time.
With our cutting-edge online platform and our LIVE expert staff at your fingertips, you'll be sure to seeresults -as long as you follow the program's instructions.
The difference with us is that we have already formed numerous connections and
affiliations, allowing us to fully use the strength of our whole company and
customer base for each and every client. In other words, you get to use our company
to your advantage. Our sources give us the highest limits, lowest rates, and longest
durations because we do multi-milliondollar agreements.
And, because of our established credibility in the business credit and finance market, it's simple for us to expand and add new funding sources and alternatives on a regular basis, which benefits YOU. That is how we have the highest number of suppliers and credit issuers of any place on the planet.
In short, if you tried to secure company credit and financing on your own or anywhere else, you'd pay a lot more and take a lot longer than we do. This entire process has been fine-tuned to ensure that you receive the maximum amount of dollars in the quickest amount of time and at the lowest interest rates.
If you are ready to get started, please schedule an appointment with our team here: https://calendly.com/dispute-nation/businesscredit
There wasn't a lot of information about establishing business credit when our
company initially started, especially one that wasn't attached to a social security
number. We've fine-tuned and enhanced our instructions throughout time to make them
as simple to follow as possible.
Every phase of the Business Credit Builder Program contains straightforward teaching videos and direct resource links, making it a 'no-brainer' for you to grow your business credit. If you ever need assistance, our business credit advisers and finance officers are here to help!
Yes, you can do this if you are committed to following our guidelines and are serious about the success of your business. With that said, it's critical to note that we DO NOT establish your business credit FOR you. We assist you by providing straightforward, step-by-step directions as well as information. Simply follow our guidelines and you will see results.
Your business has a profile linked to its EIN, just like you have a credit file
linked to your SSN. When your company asks for a loan, a credit card, or basic
utilities, Experian, Equifax, and Dun & Bradstreet often establish your profile.
After that, unless you apply for different types of credit in a specific order or leave your SSN off the application, most credit you apply for will not report to the business reporting agencies.
Real business credit can be secured without providing a social security number at the time of application. This credit also does not show up on your personal credit reports. As your business's credit grows, your EIN profile and score become more important in terms of qualifying for bank loans and credit cards. You can also get approved for several forms of credit without a personal guarantee, if you have EIN credit.
In the United States, every highly successful privately and publicly owned corporation has business credit. Many people are unaware, however, that even startups can receive it provided they follow the right steps.
Before you apply, make sure your business is set up properly so you can meet credit
issuer and lender requirements. After that, you obtain genuine, usable credit from
vendors. When you don't have any other EIN credit, these vendors will give you
credit. They also report this credit to the commercial credit bureaus.
Credit is reported to Experian, Equifax, or Dun & Bradstreet within 60 days or fewer. Your EIN will have a credit record and score after it has been reported.
You can then use that report and score to apply for higher tiers of credit, such as revolving credit at most retailers, credit tied to your EIN rather than your SSN, and credit that doesn't require a personal guarantee or a credit check.
You can use your credit to get fleet cards and even Visa and MasterCard cash credit if your credit improves. You'll also have a much higher chance of securing loans, credit lines, and better terms if you have established business credit.
When business owners build credit correctly, they rarely need a credit check to
qualify. As a result, all business owners, including those with bad credit, can
benefit from the
Business Credit Builder Program by establishing business credit.
If the business owner has bad credit and some form of collateral, they can acquire finance and business credit at the same time. Most forms of eligible collateral, including credit card sales, inventory, equipment, receivables, and even consistent revenue, will qualify for funding in as short as 30-60 days.
We also have revenue-based funding options where a business owner can be accepted with a credit score as low as 500 if they can show continuous revenue through bank statements.
Your enrollment in our Business Credit Builder Program also includes 12 months of personal credit repair for free!